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Vets Choice pet insurance

Vets Choice Insurance for Pets is designed to provide comprehensive coverage for dogs and cats, with plans that cater to different levels of care. Their policies are crafted with the input of Australian veterinarians, ensuring that they meet the unique needs of pets. Whether you’re looking for basic coverage or extensive protection, Vets Choice offers flexible options that allow you to choose the best care for your pet.

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3.875

Furbaby Expert’s Score

Details of the company

Name

Vets Choice Insurance for Pets

Address

Not specified

Phone number

1800 999 738

Accidental injury

Yes

Routine care

Optional (for both Pro and Elite plans)

Lifetime cover

Yes

Reimbursement rate

Up to 80%

Cooling off period

Not specified

Excess options

$200 / $300 / $500

Emergency boarding

Not specified

Consultations, vet visits

Included

What's good about Vets Choice Pet Insurance

Visit Vets Choice Pet Insurance

Vets Choice offers two primary plans—Pro Cover and Elite Cover—allowing pet owners to select a plan that fits their needs. The Elite Cover is particularly notable for its inclusion of chronic illness coverage, making it a strong choice for pets with ongoing health issues. With up to $15,000 in annual vet bill coverage and optional extras like dental care and cruciate ligament cover, Vets Choice provides a robust range of options for comprehensive pet care.

  • Coverage for cats
  • Coverage for dogs

Why should we choose Vets Choice Insurance for Pets?

Vets Choice Insurance for Pets believes that one of the struggles of pet owners is finding the right pet insurance. An in Australia, 9 out of 10 pets are not insured. So, Vets Choice Insurance for Pets goes to the rescue.

Pros

  • High annual benefit limits (up to $15,000)
  • Optional extras for dental care and cruciate ligament
  • No claims bonus
  • Tailored input from veterinarians

Cons

  • No cover for chronic illness in Pro plan
  • Age restrictions for new policies (younger than 9 years)
  • No emergency boarding mentioned
  • Limited information on certain conditions

Location

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Rating

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3.5

12 reviews

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8 reviews

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Vets Choice Pet Insurance Reviews on Other Locations

Ratings as at 14th of November 2025.

Vets Choice Pet Insurance Reviews

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Pet Insurance Policies Offered by Vets Choice

The insurance quotes and policies listed are subject to change. For the most accurate and up-to-date information, please refer directly to the provider’s website.

Policy

Coverage

Annual limit

Benefit percentage

Excess

Optional extra benefit?

Pro Cover

Accidental Injury & Illness; no cover for chronic illness

$12,000

Up to 80%

$200 / $300 / $500

Optional: Dental accident & illness, routine care, cruciate ligament cover

Elite Cover

Accidental Injury & Illness; includes chronic illness cover

$15,000

Up to 80%

$200 / $300 / $500

Optional: Dental accident & illness, routine care, cruciate ligament cover

Annual Premiums

Please note: These Quotes were taken at 14th of November 2025. To get the most accurate quote for your pet visit the provider directly or click here.

For Dogs
Breed
1 year old
5 year old
Cavoodle

$42.91

$59.53

Labrador

$70.32

$95.21

Staffordshire Bull Terrier

$60.21

$83.28

For Cats
Breed
1 year old
5 year old
Domestic Shorthair Cat

$38.35

$41.37

British Shorthair

$38.35

$41.37

What pet parents say about Vets Choice pet insurance

nolygirl Due to separation the insurance needed to be changed into my ex partner’s name as he was going to be looking after the payments and the dog was staying with him. Dog was staying in the same house since brought home in 2023. Same Elite cover insurance policy since the same time, same dog. When the name on the policy was changed we were told there was a 21 day stand down period. Why? Dog hasn’t changed, his home hasn’t changed only the person whose name was on the policy has. Very dissatisfied and disappointed at such a ridiculous clause.
Source: Product Review
Ben Manning Rip off. Look elsewhere – Like every insurance company, you pay for years and then when needed they wriggle out of paying. Do not trust this company. They will not pay your pets medical needs when you need them most. Go elsewhere.
Source: Product Review
Lisa72 Barely cover you – Must be the only insurance that doesn’t cover kidney and heart issues , yet does not disclose this . Nothing in the exclusions list . Be very careful ! Typical vet written policy , they know where expense for illness come from . Lucky I found this out before my cat has any issues.
Source: Product Review
Serena W. They don't care about their customers – I made a claim in July. I am still waiting for their response until now. I sent two follow-up emails since then. No one cares about you and how you feels. Escape from this product. It is a scam!!!!
Source: Product Review
Petra L. Changing when our policy finishes this year – We have been paying per insurance for 2 years (in November) and recently had to make two claims. What they don't tell you when you sign up is that if each claim comes under a different category you have a $200 excess. So for my dog eating a hot cross buns, it cost me $250 in vet bills, I got $50 back. After paying for 2 years, value of money, just isn't there for us. They processed our claims quickly though which was good.
Source: Product Review

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FAQs about Vets Choice Pet Insurance

Still have a few things you’d like to clear up about Vets Choice pet insurance? We’re here to help!

  1. Injury: Not specified

     

  2. Illness: Not specified

     

  3. Specified Conditions: Not specified

Vets Choice Insurance Portal accessible from any device

  1. Network: Any licensed vet in Australia

     

  2. Accessibility: Direct payment to vets is available, reducing out-of-pocket expenses (assumed based on standard industry practices)

  1. Online Chat

     

  2. Phone Support: Available Monday to Friday 8am to 8pm AEST (assumed based on standard offerings)

Optional coverage for dental care and cruciate ligament conditions

No claims bonus to reward pet owners who don’t make claims

Promotional offers and discounts mentioned may vary and are subject to change. For the most current promotions, please visit the provider's website directly.

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